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NYSE · Banks - Regional · USD

First Carolina Financial Services, Inc. (FCBM) Stock Analysis

First Carolina Financial Services, Inc. (FCBM) is a Banks - Regional stock listed on NYSE and quoted in US Dollar.

FCBM

$12.78

+$0.04 (+0.31%)

Sep 4, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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FCBM Key Statistics

As of Sep 4, 2026
Trading
Open
$12.64
Previous Close
$12.74
Day's Range
12.65–12.83
52-Week Range
12.17–13.40
Volume
102.95K
Valuation
Market Cap
$397.06M
P/E Ratio
28.40
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
9.76
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
3.08
EPS (ttm)Profit attributable to each share over the last twelve months.
0.45
Financials (FY)
Revenue (FY)
$137.76M+92.58%
Net Income (FY)
$12.20M−41.66%
Profit marginThe share of revenue left as profit after all costs and taxes.
10.80%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
31.07M
Dividend and dates
Earnings Date
October 27, 2026estimated
Avg Volume
101.27K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

FCBM Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$137.76M$12.20M8.9%
2024$71.54M$20.91M29.2%
2023$63.06M$19.63M31.1%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$137.76M——$12.20M8.9%
2024$71.54M——$20.91M29.2%
2023$63.06M——$19.63M31.1%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

FCBM Valuation vs Banks - Regional Median

Median of 380 stocks
MetricFCBMBanks - Regional medianvs median
P/E28.4012.62125% above
P/S ratio3.083.7718% below
Profit margin10.80%29.15%18.4 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

First Carolina Financial Services, Inc. (FCBM) is capitalised at $397.06M on the latest close. It is classified in the Banks - Regional industry, within the Financial Services sector. The company reports 269 employees.

FCBM last closed at $12.78 on September 4, 2026. That is +$0.04 (+0.31%) against the previous close. Over the past 52 weeks the price has ranged from $12.17 to $13.40. The latest close sits 5.01% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $137.76M. That is +92.58% against the prior fiscal year, when revenue was $71.54M. Net income for the same year was $12.20M. That is −41.66% against the prior fiscal year. The reported profit margin is 10.8%. That is 18.4 percentage points below the Banks - Regional median of 29.15%. Trailing earnings per share are 0.45.

Across the 3 fiscal years on file, revenue moves from $63.06M in 2023 to $137.76M in 2025. Of those 3 years, 3 report positive net income.

Valuation Assessment

On trailing earnings, the shares are priced at 28.4 times earnings. That is 125.04% above the Banks - Regional median of 12.62. The forward P/E on file is 9.76. Measured against sales, the shares trade at 3.08 times revenue. On price-to-sales that is 18.28% below the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

Growth & Income

The record shows no dividend for FCBM.

2026 is still running; the price is +1.43% year to date.

Peer Comparison

First Carolina Financial Services, Inc. (FCBM) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
First Carolina Financial Services, Inc. FCBM $397.06M 28.4
Mizuho Financial Group, Inc. MFG $135.92B 15.8
HDFC Bank Limited HDB $119.10B 16.0
ICICI Bank Limited IBN $108.74B 18.5

The Banks - Regional industry average P/E ratio is 12.6x. First Carolina Financial Services, Inc. trades at a P/E of 28.4.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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About First Carolina Financial Services, Inc.

First Carolina Financial Services, Inc. operates as a bank holding company for First Carolina Bank that provides commercial banking services in the United States. It operates through two segments, Community Banking and BM Tech business line. The company offers business services including checking, savings, money market deposit accounts, certificates of deposit, individual retirement accounts, and large deposit insurance; commercial financing and real estate loans and consumer loans; credit and debit cards; online banking and bill pay services; remote deposit capture, treasury management, merchant services, and wealth management services; attorney advantage accounts and interest on lawyer trust accounts; payments services; consumer banking; real estate banking; commercial and industrial banking; higher education disbursements; BankMobile platform; and retail banking services. It serves small and medium-sized businesses, individuals, professionals, and institutions. The company was incorporated in 2009 and is headquartered in Raleigh, North Carolina.

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